Gesa Credit Union CD & Share Certificate Rates — October 2026

Also known as Gesa.

As of October 22, 2026, Gesa Credit Union's highest CD (share certificate) rate is 4.50% APY on a 17-month CD ($500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.60% to 4.50% APY.

Last verified October 22, 2026 from www.gesa.com · NCUA-insured credit union · Richland, WA

Tracking began October 22, 2026.

Best APY4.50%17 months, $500 min

vs. Treasury−0.19%same-term Treasury 4.69%

vs. national average2.6×FDIC national average 1.76%

After inflation0.76%CPI 3.7% year over year

$10,000 earns$643over 17 months, before tax

Gesa Credit Union CD & share certificate rates

Gesa Credit Union CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	Fixed CD	$100,000	3.30%Verified October 22, 2026	−1.00%
3 months	Fixed CD	$50,000	3.15%Verified October 22, 2026	−1.15%
3 months	Fixed CD	$500	3.00%Verified October 22, 2026	−1.29%
6 months	Fixed CD	$100,000	3.60%Verified October 22, 2026	−0.80%
6 months	Fixed CD	$50,000	3.45%Verified October 22, 2026	−0.95%
6 months	Fixed CD	$500	3.30%Verified October 22, 2026	−1.10%
12 months	Fixed CD	$100,000	4.00%Verified October 22, 2026	−0.57%
12 months	Fixed CD	$50,000	3.85%Verified October 22, 2026	−0.72%
12 months	Fixed CD	$500	3.70%Verified October 22, 2026	−0.87%
12 months	Bump CD	$100,000	3.60%Verified October 22, 2026	−0.97%
12 months	Bump CD	$50,000	3.45%Verified October 22, 2026	−1.12%
12 months	Bump CD	$500	3.30%Verified October 22, 2026	−1.27%
17 months	Fixed CD	$500same APY in 3 balance tiers	4.50%Verified October 22, 2026	−0.19%
18 months	Fixed CD	$100,000	4.10%Verified October 22, 2026	−0.62%
18 months	Fixed CD	$50,000	3.95%Verified October 22, 2026	−0.77%
18 months	Fixed CD	$500	3.80%Verified October 22, 2026	−0.92%
24 months	Fixed CD	$100,000	3.80%Verified October 22, 2026	−1.07%
24 months	Fixed CD	$50,000	3.65%Verified October 22, 2026	−1.22%
24 months	Fixed CD	$500	3.50%Verified October 22, 2026	−1.37%
24 months	Bump CD	$100,000	3.40%Verified October 22, 2026	−1.47%
24 months	Bump CD	$50,000	3.25%Verified October 22, 2026	−1.62%
24 months	Bump CD	$500	3.10%Verified October 22, 2026	−1.77%
30 months	Fixed CD	$100,000	3.00%Verified October 22, 2026	−1.91%
30 months	Fixed CD	$50,000	2.85%Verified October 22, 2026	−2.06%
30 months	Fixed CD	$500	2.70%Verified October 22, 2026	−2.21%
36 months	Fixed CD	$100,000	3.25%Verified October 22, 2026	−1.70%
36 months	Fixed CD	$50,000	3.05%Verified October 22, 2026	−1.90%
36 months	Bump CD	$100,000	3.00%Verified October 22, 2026	−1.95%
36 months	Fixed CD	$500	2.85%Verified October 22, 2026	−2.10%
36 months	Bump CD	$50,000	2.80%Verified October 22, 2026	−2.15%
36 months	Bump CD	$500	2.60%Verified October 22, 2026	−2.35%
48 months	Fixed CD	$100,000	3.25%Verified October 22, 2026	−1.73%
48 months	Fixed CD	$50,000	3.05%Verified October 22, 2026	−1.93%
48 months	Bump CD	$100,000	3.00%Verified October 22, 2026	−1.98%
48 months	Fixed CD	$500	2.85%Verified October 22, 2026	−2.13%
48 months	Bump CD	$50,000	2.80%Verified October 22, 2026	−2.18%
48 months	Bump CD	$500	2.60%Verified October 22, 2026	−2.38%
60 months	Fixed CD	$100,000	3.25%Verified October 22, 2026	−1.76%
60 months	Fixed CD	$50,000	3.05%Verified October 22, 2026	−1.96%
60 months	Bump CD	$100,000	3.00%Verified October 22, 2026	−2.01%
60 months	Fixed CD	$500	2.85%Verified October 22, 2026	−2.16%
60 months	Bump CD	$50,000	2.80%Verified October 22, 2026	−2.21%
60 months	Bump CD	$500	2.60%Verified October 22, 2026	−2.41%
84 months	Fixed CD	$100,000	3.25%Verified October 22, 2026	−1.84%
84 months	Fixed CD	$50,000	3.05%Verified October 22, 2026	−2.04%
84 months	Fixed CD	$500	2.85%Verified October 22, 2026	−2.24%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Gesa Credit Union's best CD rates by term?

Gesa Credit Union's best rate is 4.50% APY on 17 months, verified October 22, 2026.

3 mo3.30%
6 mo3.60%
12 mo4.00%
17 mo4.50%
18 mo4.10%
24 mo3.80%
30 mo3.00%
36 mo3.25%
48 mo3.25%
60 mo3.25%
84 mo3.25%

Calculate earnings at 4.50% for 17 months

How Gesa Credit Union compares

Best 2-year rate among the institutions we track: Popular Direct at 4.80% APY.
Popular Direct: best 5.00% APY on 60 months.
Barclays: best 4.75% APY on 24 months.
Sallie Mae Bank: best 4.75% APY on 60 months.
2-year Treasury: 4.69% APY-equivalent.

Rate changes

No changes since we started tracking Gesa Credit Union on October 22, 2026.

About Gesa Credit Union

Legal name: Gesa Credit Union
Regulator ID: NCUA 68278
Headquarters: Richland, WA
Available in: ID, WA
Total assets: $6.8 billion
Also known as: Gesa
Website: www.gesa.com

Source: rates read from https://www.gesa.com/rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Gesa Credit Union?

4.50% APY on a 17-month CD, as of October 22, 2026.

What is the minimum deposit for a Gesa Credit Union CD?

The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.

How does Gesa Credit Union's best CD rate compare with Treasury yields?

4.50% APY is −0.19% versus the 17-month Treasury yield of 4.69% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.50% a good CD rate?

It is 2.6 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Gesa Credit Union CDs insured?

Gesa Credit Union is a federally insured credit union (NCUA 68278). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Gesa Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check Gesa Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from Gesa Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Gesa Credit Union before opening an account. This page is not financial advice.